FirstOntario Credit Union

Chairperson: Lori Gaboury


Your account. Your way. Everyday. You have it all with our new accounts. No monthly fees, no minimum balance, unlimited transactions and free Interac e-Transfers to add the extra sprinkles on top!

For More Information:  and click on ‘Everyday Premium Account’ .

Other Links

Thinking About Retirement? Wondering if you should choose a Commuted Value Pension or Copycat Annuity? Ask a qualified FirstOntario Advisor!

As someone retiring from GM, you have a range of options to choose from for your retirement income.  BUT, not all choices are equally good for everyone. Your individual circumstances and personal tax situation are important to consider when deciding on which option is best for you.

FirstOntario Credit Union is a proud Unifor partner and offers the services of their highly qualified and experienced financial advisors to help you choose the best option based on your personal situation.  Call us at 1-800-616-8878, extension 1706​ or email to book an appointment with John Fraone to discuss your personal situation and options.

Member Value Program (MVP)

As members of Unifor Local 199, you’re eligible for FirstOntario’s exclusive Member Value Program (MVP). Enjoy preferred rates on mortgages, personal loans/personal lines of credit, term deposits and more. Plus, MVP recipients receive a complimentary portfolio review, financial literacy sessions and special offers through FirstOntario sponsored venues and partners (subject to availability).

To learn more, contact


FirstOntario has the right card for you. Choose the one that meets your specific needs and has the benefits you value most. There’s no better time to apply. Ask us about FirstOntario’s Visa* card options.

Canadian & Global Market Linked GICS 

A worry-free investment with nowhere to go but up. Principal protected. Earnings expected. Interested in an investment that offers market performance growth opportunity and all the security of a traditional GIC? Our new market-linked GICs could be right for you. Visit us online at or call us at 1-800-616-8878 for more details.

Wealth Services and Investment Advice

At FirstOntario our focus is on helping our Members achieve and maintain financial independence. Our highly qualified advisors are among the best in the financial services industry. Each has more than a decade of experience and they use their knowledge and expertise to work with you to bring more wealth into your life. No matter what stage of life you are in, our team can help bring you a fresh perspective on your finances.

Learn more at

Tools Resources and Calculators 

Do you know how much you will need to save for a comfortable retirement? Do you have any idea of what kind of mortgage you can afford before you go out and shop for a new home? What about that TFSA you have – take a look and see what the financial benefits of your investment are.

FirstOntario Credit Union has several calculators that can assist you through various phases of your financial plan. 

Click Here to check them out.

About us

More than 126,000 people choose FirstOntario when it comes to their finances. From chequing and savings accounts to mortgages, loans, business services and highly qualified investment advice, our credit union offers you more than just an account. Have you thought about becoming a Member? You should. At FirstOntario, our Members are owners. That means you have a say and we value your thoughts and ideas. As a Member (and a shareholder), you can run to be on our Board of Directors and you can vote for your Board Directors. You have a voice and we want to hear it.

Our roots

We started in 1939 with a group of employees when we created Stelco Employees Credit Union and our values were the same. We make the most of your hard—earned money and we’re there to get you through the ups and downs of life. Here’s how we came to be.

1939 – Stelco Employees Credit Union opens to employees only
1987 – Stelco Employees Credit Union becomes Avestel Credit Union, open to everyone
1999 – Avestel and Family Savings & Credit Union merge
2000 – Avestel Family Savings Credit Union becomes FirstOntario Credit Union
2010 – FirstOntario merges with Prime Financial and Canal City Savings and Credit Union
2013 – FirstOntario merges with Rochdale Credit Union

We’ve been here for our Members for 80 years for a reason- our continued success is achieved with pride and a dedicated commitment to our Members and our communities in Hamilton, Halton, Niagara and the southwest regions. Some things never change.


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